The Guide & Risks Of Being A Tenant Guarantor

Do you know what amuses me? When someone willingly acts as a Tenant Guarantor for their nearest and dearest, but then as soon as they’re required to take responsibility for being a Guarantor (i.e. to pay someone else’s rent arrears), they shamelessly act victimised.

The question has to be asked, what did they think they were signing up for?

The purpose of this blog post is to help everyone understand the responsibilities of a Tenant Guarantor BEFORE actually becoming one, to help avoid the apparent confusion!

What is a Tenant Guarantor?

A “Guarantor” is commonly a friend or family member of the tenant and has agreed to vouch for the tenant and accept the liabilities on behalf of the tenant. Essentially, in the event of a tenant being unable to meet their obligations under the tenancy agreement, whether it is for overdue rent, damage to the property or whatever, the Guarantor is legally bound to accept the liabilities on behalf of the tenant. There’s tonnes more information in the Tenant Guarantor Form page.

I regularly receive an annoying amount of emails from teary-eyed mascara-dripping Guarantors asking two of the following questions:

How can I stop being a Guarantor for a tenant?

My friend has fallen into arrears, and I’m his/her Guarantor, how do I get out of being liable for the debt?

Let me show you a prime example of what I’m talking about. I received this ridiculous piece of shit email last week:

I’m a guarantor for someone for a rented property. I have just recently found out the reason they needed a guarantor was cause the landlord thought she wasn’t working. She is now in arrears, is there anyway I can get out of being liable for her debt? Please help, I am at my wits end.

I’m sure the lady that sent me the email is a terribly nice person, so I take no joy in calling her a tediously underdeveloped chimp, but unfortunately that’s exactly what she is. The million dollar question is, what the hell did she think she was signing up for when she agreed to be a Tenant Guarantor, and why is she at her wits’ end?

Essentially, she’s got her nuts in a twist because she’s being asked to act upon the responsibility she agreed to. Heaven forbid! Of course, she’s not the only one; this is a common cry among guarantors.

It’s terribly frustrating.

There’s nothing wrong with being a Tenant Guarantor

Don’t get me wrong, there’s absolutely nothing wrong with being a Guarantor for someone. By all means, be a Guarantor for someone you love and/or trust, just don’t shrivel into a wheezing blubbering mess if you’re actually required to take on the responsibility of being a Guarantor when that’s exactly what you agreed to do.

What you should consider before being a Tenant Guarantor

With the objective of preventing this kind of stupidity from spreading much further, I’m going to jot down a list of points for prospective Guarantors to consider before agreeing to anything. If you’re in that position, you should carefully understand what you’re being asked to do, and then consider whether you actually want to do it.

Do you understand what you’re being asked to do?

I swear to God, 90% of the people that are a Guarantor don’t even have a clue what they’re liable for, they’re just happy their helping someone out. Very cute, but dangerously stupid.

To reiterate, a “Guarantor” has agreed to vouch for the tenant and accept the liabilities on behalf of the tenant. Essentially, in the event of a tenant being unable to meet their obligations under the Tenancy Agreement contract, whether it is for overdue rent, damage to the property or whatever, the Guarantor is legally bound to accept the liabilities on behalf of the tenant.

Fully understand what responsibility you’re taking on.

Can you REALLY afford to pay someone else’s debt (not just hypothetically, but in reality)?

I think the main reason so many people agree to being Guarantors is because they believe they’ll NEVER be put into the situation of actually having to pay the debt of those they trust. They basically think it’s a hypothetical scenario because they’ll never be let down by those they trust. “It will NEVER happen to me”, says the idiot while being struck by lightening.

Unfortunately, the only certainties in this life are taxes and death. A friend and/or family member never falling into arrears is a far cry away from being a certainty.

Consider the implications on your own personal finances if the tenant you’re vouching for DOES fall into hardship. Can you REALLY afford to pay the debt, and more importantly, would you feel comfortable doing so?

To what level do you trust the person you’re being a Guarantor for?

Trust comes in many, many, many layers, and you need to calculate to what level you trust the tenant.

For example, I would trust my work colleague to pick up my Hugo Boss suit from the dry cleaners, but I wouldn’t trust him with in a 10 mile radius of my girlfriend after he’s intoxicated his liver with a bottle of Vodka. Common sense.

Calculate which level of trust you have with the tenant, and if you’re left with concern, maybe that’s your gut instinct telling you to back-the-fuck-off from the situation.

Are you being pressured into being a Guarantor?

From my experience, most Guarantors are either family members or extremely close friends of the tenant. So there’s usually a feeling of emotional obligation pushing us into the direction of being a Guarantor, even if it’s subconscious.

If you feel remotely pressured into being a Guarantor (even if it’s your own moral obligation pushing you, and not necessarily the tenant’s) or there’s a feeling of unease, even if it’s ever so slightly, I would think twice.

Emotional guilt tends to push us into a lot of situations we don’t really want to be in. Yes, we love our friends and family, and we want to do everything humanly possible to help them, but this is one of those situations where need to think about number one.

There is zero reward for being a Guarantor

Understand, there is ZERO reward for being a Guarantor. Well, besides from self-satisfaction of helping out someone you love. But that don’t mean shit, especially when you’re left paying their bills.

Seriously! There is no opportunity for financial gain, it doesn’t help your credit rating and you don’t get compensated for the tenant’s good behaviour.

It’s one of those acts of kindness that you do purely out of love, or whatever!

Will you panic/worry/stress if you have to pay the tenant’s debts?

So, assuming your nearest and dearest does rack up a debt that falls onto your lap, how would you feel about it? Like I previously said, it’s always best to approach this situation with the worst possible outcome in mind. If you think it’s going to cause you stress, then don’t do it.

There’s no point in both of you (you and the tenant) being stressed over the same situation. So if taking on the debt of the tenant is going to inflict additional burden on yourself, forget about it.

How strong is your relationship?

I’ve seen best friends of 20 years become enemies over money. It happens all the time. Hell, just watch Judge Judy, most of the cases on that programme involve family members and best friends having a cat fight over money. Great entertainment, but it’s embarrassing garbage.

Every relationship has their breaking point, and you can usually find that point with a financial amount.

If the tenant (your close friend/relation) left you responsible for a pile of debt, would you carry any resentment towards them? If so, don’t put yourself into the situation where your friendship/relationship is on the line. It’s probably not worth it.

Guarantor nightmares

Disclaimer: I'm just a simple landlord blogger, I am not qualified to give legal or financial advice. Any advice I give is my opinion based on my experience, and is never legal or professional advice. You should always get professional advice on any legal and financial matters!

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136 Comments- Join The Conversation...

Showing 86 - 136 comments (out of 136)

Nicnac1st October, 2015 @ 18:49

I was quite happy to be guarantor for my niece until the last hour of business the day before she was due to collect her keys. I received the Guarantors document to sign electronically, this pointed out 6 specific points as well as " I agree to the terms of the tenancy" they had sent the tenancy agreement which I read.
I then received a call to say I hadn't signed all the documents, I said I'd signed the guarantors documents and as the guarantor they were the correct ones. Oh no! I was told I had to sign the tenancy agreement that I'd been sent.
When I questioned why I was being asked to sign a legally binding document that had no relevance to me, I was told it's not a signature it's an acknowledgment that I'd read it. I pointed out again that I'd signed the guarantors agreement which states this.
The agent then became very rude when I told him at no point was I informed that I had to sign a tenancy agreement by myself.
My niece didn't get her keys.

86

Chris1st October, 2015 @ 19:08

In terms of financial liability to the landlord there is very little difference between being a co-tenant and being a guarantor.

I would have probably signed it and put "guarantor, not tenant" in brackets afterwards.

87

Nicnac1st October, 2015 @ 20:04

@Chris,
I couldn't do that as it was an electronic signature.
I had to do that on the initial document giving all my details as it was the one the tenant completes when applying for a property. I was just told to miss out anything not relevant to me when given it by my niece.

88

Grant19th October, 2015 @ 21:32

my brother has been my gurantor for three years on my lease. I have not missed or been late with my rent ever. So, there is not ALWAYS drama. He is an attorney and a dr. he just told me to tell him in advance i i get into a situation where i cant afford the rent. i work full time but lost my savings due to identity theft. working to restore everything.

89

BJJ29th November, 2015 @ 05:04

Juvenile, aggressive and unprofessional is about right. Property developers these days seem to be motivated by pure greed with no awareness of the fact that they are being paid by tenants to provide a professional service of a liveable home. There are responsibilities on both sides. The immature contempt for tenants in general that drips from these articles makes me feel that some of you are only getting the tenants you deserve.

90

Chris29th November, 2015 @ 10:39

@BJJ
Let's not tar all landlords with the dame brush. When I was renting I had some very good landlords, who fixed faults promptly without any issues and had a very fair attitude on returning the deposit afterwards (giving me the opportunity to come in and clean the carpets with HIS carpet cleaner or have £30 taken from the deposit for him to get a cleaner to do it).

I had a friend who's landlord, knowing that she had just moved into the area for a job, inciters her to Christmas dinner with his family!

I have had a poor landlord who ignored reports about things needing fixing, and who then tried to day that I should lose my deposit on leaving for things that were already worn. However I think that most do try to do a good job and provide necessary services.

91

John Disette16th January, 2016 @ 14:08

I'm a permanently disabled individual,my income is 775.00 a month and OCEAN.INC. told me the only way I could get a apt. Is I'd have to pay 500.00 a month,this was in 2009 , i didn't know & they didn't tell me they are associated with H.U.D & the law is a low income disabled portion of rent is 30percent of my income, no guarantor needed. Instead of putting me in a HUD low income apt, they put me in affordable housing apt and said my rent is 500 and I need a guarantor to make it. My 82yo father did it, we didn't know about the law, that I should have been put in a low income apt paying 30percent, so I'm still here now, my dad spoke to Ocean.Inc & they have refused to comment only now I know their associated with HUD, I'm enraged for 7 yrs. This has been going on, I only recently found out the HUD &Disability law to protect me, all OCEAN INC has to do is the law, put me in a HUD housing which is 30percent of my income, no guarantor needed,yet they are refusing to do so, their violating my rights as a disabled low income citizen, I don't know where to go or who to ask for help,I need a advocate, & get this OCEAN INC. are HUD housing advocates , yet continuing to ignore my rights, Debbie Bellas is landlord & housing facilitator for Ocean Inc.732 244 2351, please help. John Disette.

92

Brenda Bruce10th February, 2016 @ 15:09

I am a guarantor for my grandson.The landlord has put the property up for auction and g/s has had nothing in writing. When the new landlord takes over will I still be guarantor as I only signed with old landlord. Also, what would happen with regard to the bond originally paid to landlord #1. How will we know #1 wont just keep it?

93

Nina3rd April, 2016 @ 12:54

Hi my brother just has my address for mail to reach him now I find out he has gone guarantor for his granddaughter but put my address down as living here we are so worried as I don't have contact with her that if anything goes pear shaped our address will be black listed and we are a building company that needs to stay clean thankyou ..

94

Chris3rd April, 2016 @ 13:59

Treat this possibility as you would for any other inaccuracies in your credit record. Check it if you think anything is wrong and inform them that the debt of not yours and that the person mentioned does not live at that address.

95

Katie3rd April, 2016 @ 17:00

I stood guarantor for my daughter when she rented a flat as a joint tenant and was very specific in the contract (having sought advice!) that it was my daughter I stood guarantor for! When her flatmate bailed 2 month's into a one year tenancy it meant my daughter was liable for the other girl's rent .... daughter couldn't pay whole rent so I was obliged to. I honoured that, but it meant I had to give up my own rented cottage to do it and sofa surf for 10 months, not fun at 60 ..... I took the fleeing tenant to court to claim rent, which never did get paid to me.
Moral of the story IS ...... don't ever, ever be a guarantor ... EVER!!

96

Pam12th April, 2016 @ 17:52

My son and daughter in law split up myself and her mother where guarentors for their rented property she moved someone else into the property should they have had another contract and the guarentors informed if they wished to continue?

97

Andy6th May, 2016 @ 00:19

Interesting reading all this, maybe the landlord can answer this Question, why is it that LANDLORDS can get insurance to cover any rent arrears and damage to property, While Guarantors cannot not , does this mean landlords get twice the money back and dont you think it unfair that landlords can get insurance but guarantors cant

98

Paul7th June, 2016 @ 15:04

You know what amuses me? The unbearable sense of entitlement that most landlords and letting agents have. Tenants pay a deposit for a reason and fully expect to forfeit that deposit, usually an extremely large lump sum of cash to be paid upfront at the beginning of the tenancy, should they happen to fall behind on the rent and face eviction. It is truly amazing how landlords feel that the world owes them a living, often throwing a tantrum whenever a tenant requires any sort of repair work done to the landlords own property. I personally would advise any tenants to avoid any landlords requiring a guarantor, as it really does say something about their lack of professionalism and sense of entitlement. A security deposit should always be sufficient. In my experience, it is always the the landlords and letting agents who ask for guarantors that have dangerous and unfit properties, throw tantrums over any required repairs and drag their feet when arranging repair work, often employing cheap unqualified work men. Avoid at all costs and only deal with professionals.

Firstly, the deposit has to be secured into a 'tenancy deposit scheme' i.e. the landlord can't just take the deposit and use it as they see fit.

Secondly, in reality, if a tenant does fall into arrears, the security deposit won't cover the costs. Barely even a fraction of it. We don't want to lose that money, so why is that a sign of us thinking we're owed a living? We have bills to pay, too. If we fall into arrears with our mortgage lenders and they chase us, do they suddenly believe they're owed a living?

I don't think anyone owes me living, but I want the security of knowing that if the worst happens, I'm covered, or at least have safety features in place which will help limit the damage.

If a tenant plans on paying rent and taking care of the property, they have no reason to fair the requirement of a Guarantor. As said, the deposit is protected, and if the landlord tries to use it in a way the tenant disagrees with, the tenant can dispute it, and then the matter will escalate to an unbiased regulated body (it won't cost the tenant anything).

I'd be wary of any tenant that has a problem with a Guarantor.

100

Simon Fanshawe22nd July, 2016 @ 14:56

This is a difficult area. The problem for a landlord with having a guarantor is that there is a temptation to allow problems to escalate rather than dealing with tenant issues immediately. Think limited guarantees and an obligation for the landlord to disclose all issues in a timely fashion should become the norm.

101

Sally23rd July, 2016 @ 16:39

Hi
I have a question someone may be able to answer.
I have been asked to be guarantor for my sister and I am happy to do it. My bank statements and pay slips are in my name solely, but my mortgage statement is in mine and my husband's name. Does that mean he also needs to become guarantor?
May seem like a silly question but I just want to clarify.
Thanks
Sally

102

Chris23rd July, 2016 @ 16:44

No, think of it the same as getting a loan yourself. Providing your financial position is enough to cover it then your husband doesn't have to sign.

103

Shuggy8th August, 2016 @ 15:39

I am being asked to be a guarantor for my student daughter. The problem her is unlimited liability. Why would anyone sign up to that? Can't landlords take out insurance against such events?

104

Steve13th October, 2016 @ 08:10

I was guarantor for a friend, she signed up to a 12 month contract, when that finished the landlord offered another her another contract then changed his mind a week later ( a new contract was not signed) she stayed in the flat and fell behind with the rent after having a serious accident and was evicted.
The landlord has now contacted me asking for the arrears.
My question is, should I pay even though I only signed up to the initial 12 month contract?

105

Chris13th October, 2016 @ 09:03

The answer is 'probably'. If the rental contract said it could be renewed or went onto a rolling basis then you will have deemed to have become guarantor the same basis.

In the unlikely event the contract stipulated that it will end completely after the 12 months then you are free of it

106

Nic29th October, 2016 @ 13:47

Instead of having a guarantor when I took out my tenancy, I paid an extra £500 as rental insurance, so if I didn't pay my rent the 'guarantor' deposit would be used. I have since bought a property, moved out and the landlord is refusing to pay back the guarantor deposit, or at least give permission for the estate agent to release it. I have applied to the court now too because despite all rent paid and only a little wear and tear, he is refusing to pay back my rent in advance, guarantor deposit and my deposit with the DPS. I contacted the DPS and raised a dispute in August 2016 but I am still awaiting their response, so I have applied to the money claims centre for an order of monies to be returned. The landlord filed a response and I'm preparing a statement. I feel his behaviour is outrageous and I am disgusted.My question would be, in our tenancy agreement it stated the additional £500 used instead of a guarantor can only be used as money for if rent was not paid, can the landlord legally use this as 'damage' costs?

107

guarantorneveragain14th January, 2017 @ 16:02

Rihards Silins or Richard Ace Silins (name on facebook).
DON’T TRUST!!!
Considering of being guarantor or trusting this person? Think twice!
Richards Silins left HIS RENT ARREARS UNPAID AND HIS GUARANTOR HAD TO PAY IT.
In November 2014 I was asked by Rihards Silins ( the guarantee) who was colleague of mine at that time to become his guarantor because he wanted to rent a room from an agency in Lincoln city but he did not have money for deposit. I was not familiar with a guarantor term and risks at that time and I signed an agreement to become the guarantor of Rihards Silins and the guarantee successfully moved to the property.
In March, 2016 I have contacted Rihards Silins via social media website Facebook regarding guarantor cancellation as it was too risky to stay the guarantor of person who is not your co-worker anymore. The guarantee agreed with my request but he did not commit what he promised. I had tried to contact him several times via social media, phone but I was ignored.
I received email from the agency in October, 2016 that Rihards Silins had not been paying his rent for 2 months. Also it is important to mention that Rihards Silins was paying his rent weekly and he also did not informed me that he was failing to pay weekly. I contacted the guarantee via social media website Facebook , I got a reply in an inappropriate language and he was denying that he has arrears.
At the end of October, 2016 the agency informed me that Rihards Silins moved away from property but left unpaid rent of £600. Later I was trying to contact the guarantee several times by phone and by email with no result. Also the guarantee blocked me on social media website Facebook which was the best way to contact him. The agency also was trying to contact the guarantee regarding the debt but unsuccessfully.
I have paid guarantee’s debt of £600 and made court claim against him
I have never met such an evasive and irresponsible person.
So if you meet Rihards Silins or Richards ‘Ace’ Silins ( Probably ‘Ace’ of evasion) , I advise you:
Avoid and don’t trust this person!!!
His facebook: https://www.facebook.com/ACE.GSTYLE4LIFE?ref=ts&fref=ts

And I wouldn't advice you to be a guarantor at all

108

Terry Edwards19th January, 2017 @ 17:22

Having just read most of this script it's funny how the same stories keep on cropping up of guarantors complaining about what THEY HAVE VOLUNTARILY SIGNED UP FOR.....

Note to potential guarantors. If you're being asked to sign a document as a guarantor, it's generally because the potential tenant has a bad credit rating, has previously missed payments, declared bankrupt etc, so in a landlord's eyes, a far riskier position than a "normal" tenant who hasn't done these things. If the tenant was buying a house then the mortgage company would do exactly the same checks right? The landlord is putting the tenant in day to day charge of an asset worth > £100k and if they look risky then surely its understandable for them to ask for more certainty via a guarantor.

If you are not 100% certain that you entirely trust the individual you are guaranteeing then DO NOT DO IT. If it's a son/daughter etc and your relationship is good then I can understand but all these tales of guarantees for workmates/friends/neighbours - it's ludicrous. If you get asked to make good on the guarantee then that's what you've signed up for so suggest you pay up and save the tears.

Sounds harsh but that's the reality of signing up as a guarantor. You're guaranteeing the rent, any damage, any losses, and any expenses. Do so at your peril.

109

Shuggy20th January, 2017 @ 13:45

My problem is that this was mandatory. No guarantor, no flat. Yes, we could have walked away, but what if more and more agencies are forcing it upon you?

My other objection is that I was told that the need for a guarantor lapses if the tenant earns £12K or more. Now this made me realise what a nice deal these landlords have. Suppose the guarantor earn £100K a year? Does that mean the landlord is entitled to take the guarantor for every penny or should it be capped as if they earned £12K.

Scam.

110

Jane26th January, 2017 @ 21:20

Hi all. I am going to sign for my elderly mother. She is on a pension and will receive housing benefit. I have no concerns about this other than : should she die before the end of the lease, can I be held liable? I hate asking this question but it is a very real concern as she is 78 and ailing. Thank you in advance.

111

Chris26th January, 2017 @ 21:24

Jane,
Speak to a solicitor or citizen's advice. I think that contracts are usually deemed to end on the death of one of the parties, but I'm not sure.

112

Jane27th January, 2017 @ 00:11

Due to limited time, I've been relegated to searching the Internet tonight and I've found very conflicting advice. A. It does. B. It doesn't as ultimately a lease - fixed or periodic - is a promise to pay which cannot end simply by virtue of death. The balance of the rent for the fixed term simply becomes a claim against her estate. The guarantor, by extension, is then also not released by virtue of death. That being said - they know she relies on the housing benefit to pay the rent and if she dies, the council simply stops paying it over. The council does not appear to be bound by any such legalities despite she has always had to rent privately due to her situation and the lack of available housing. Not to mention that it's nigh on impossible in my area to find decent private renting that doesn't insist on a guarantor. I will phone citizens advice in the am, but I'm feeling bound to insist that the guarantee I sign has to state my responsibility will end either on her death or the end of the lease, whichever comes first. I can accept a responsibility should endure due to non-payment by a tenant, but, in this instance, her age is very apparent so no-one involved here could claim the chance of her dying prior to the termination of the fixed period is anything but a very real possibility. The landlady herself is a apparently an elderly woman so must be fully aware of the risks of renting to my own elderly mother. It's also abundantly clear that as she rents and has to rely on the council to assist, there is no 'estate' after death to cover anything like the possibility of all the rent to cover the balance of a lease coming from her estate, if it should happen that she dies prior to the ending of the fixed term. I would appreciate any further thoughts on this from anyone, but thank you for replying Chris.

113

Megan30th January, 2017 @ 05:32

Hello, i am 21 years old and wanting to rent a home. My dad is going to be my guarantor. I of course will pay my rent on time as i never want to hurt my parents but we have sat down and had a proper talk about what would happen if me not paying my rent ever did happen. My dad of course would help me out and we've discussed also if he would be able to and long story short yes him being my gaurabtor is still going ahead. I just would like some questions answered though:
* How can i protect my dad other than paying rent on time? For example i know there are tons of good landlords but i have read some stories where the landlord will claim you have damaged the property when youve left even though you havent. How can i make sure this doesnt happen? Like should i take photos of the property in the state ive left it when i leave just in case?
*Also when i leave the property and decide to move and leave the landlord foes that mean my gaurantor has left too. Like if i end the contract and move will that end the contract between my guarantor and landlord. Im scared that after ive left a landlord could get another tennant and use my dads gaurantor agreement for them! Obviously if i damage the property the lamdlord will still want to be in contact with my guarantor i know that. What i want to know is if i move and the property is in fine condition is that it my guarantor and me are free from that landlord?

P.S im really sorry that i have gone on a bit its just late at night and ive been worrying and i know that i will have made tons of typos and im sorry for that.

Thank you!

114

Chris30th January, 2017 @ 16:32

Megan,
To ensure that you don't have to pay for damage you didn't cause photograph any defect. When you view the flat do this and point them out to people showing you around, and if you spot any more when you get in do the same.

Post these on Facebook or something which will show the date taken and send them to the landlord. If you point out minor defects make it clear that you don't need a fix but just wanted it recorder that it was like that prior to you moving in.

When you leave photograph everything again, and post it also. That way if any damage happens after you leave you can prove that it was OK when you left. If you are really paranoid include a current daily paper in the shot so the landlord can't say you posted an old paper.

The guarantor's responsibility ends when your tenancy ends, in other words if you have an initial six month period and you have to leave before then he could have to pay rent for the rest of the period - though most landlords would try to find a tenant and terminate when they move in if there is a good reason, possibly adding some letting fees.

Similarly if you go on to a rolling monthly basis you would have to pay to a month after you give notice

115

sally30th March, 2017 @ 07:51

What a bunch of greedy, smug, crass, insulting, generalizing arse holes you landlords are. I hope you all get what you deserve.

I acted as a guarantor for a boyfrind some 18 months ago. This was with a letting agent. After the initial 6 months contract the tenancy agreement was transferred over to the landlord. My relationship with this guy ended 6 months ago and I have recently emailed the landlord informing him the change in circumstances and therefore asking for my guarantor obligation to be surrendered. He has not replied to my email. Any advice please!!!. I am a home owner and have never lived at the rented property myself.

118

Mario27th May, 2017 @ 08:48

I think this is not right. Landlord should do they check and don't involve innocent people in their business. Because rogue landlord like A Masud is a serial fraudster. He sexually harass is tenant when they refuse. He fabricate all sorts of charges.
He made sign a guarantee deed while we were on holiday not the original and the guarantor never saw the tenancy agreement. Now he is asking for £10000 of arrears plus damage to the property. He is a rich and he can't hire top barristers. He says he never loss a case against a guarantor. I think this man needs to be exposed.

119

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122

paul9675th January, 2018 @ 18:51

1. Tenant wanted two rooms decorated prior to moving in.... Done.
2. Also decorated the hall, kitchen and renewed a couple of carpets.
3. New boiler 1 year old.
4. New kitchen approx 18 months old.
5. Tenant wanted to delay payment to beginning of the month because that is when they get paid. Done.

Still waiting for my first months rent! will I feel bad about claiming from the guarantor? Not a chance. I have done everything asked of me and the rent is below market value.

Give me my money and get out. Don't blame anyone but themselves! I don't go into a supermarket and expect not to pay, what if their income was reduced because their employer couldn't be bothered to pay?

Oh, don't worry about it! or would there be threats etc.....

123

John5th February, 2018 @ 21:58

Your comments have nothing to do with hitting the nail on the head. They are just a piece of shit as you put it yourself. People sign on very good faith. They may themselves fall into financial difficulties and therefore don't need additional burden. So review your nasty rubbish blog to an intelligent one. We are looking for answers and advice not abuse. Thank you.

124

Visage26th March, 2018 @ 09:35

Hi,

I once guarantor for a friend who was on housing benefit. The letting agents knew this and only accepted people who claimed housing.

She had problems with the claim, fell into arrears and was served with a section 21. upon receiving this she looked for different accommodation and once found, let the agents know she would be leaving, giving 1 months notice. This notice finished before the end of the tenancy.

The letting agents are claiming for over £500 more than she believes is owed and has disputed it on numerous occasions but rather than discuss with her, they are coming after me for the full amount.

I'm under no illusion about what i signed up for but I have a few questions:

1) Can the letting agents refuse a payment plan from the tenant?
2) If the tenant disputes a section of the claimed amount, and has made them aware of her dispute a number of items but has been ignored, can they claim it from me as guarantor?
3) Can they, under the current circumstances, realistically take me to court as guarantor?

Thanks

125

David21st October, 2018 @ 01:50

Let’s hope interest rates sky rocket to 15%
These buy to let landlords will be scrambling over themselves to take tenants any way they can.

126

The Landlord21st October, 2018 @ 10:49

@David...

Err... yeah, let's hope for that 15% increase, because obviously that won't affect ALL normal homeowners with variable rate mortgages.

Genius!

127

David21st October, 2018 @ 14:27

Derrrr....I was being facetious

But then more seriously, rates are by no means what any rational economist would consider normal and should be around 4 / 5%
Retail Rates and BOE base rates are inversely related. And also just to add, it’s not beyond the bounds of imagination to see a labour government hike buy to let rates, I mean really hike! for new buy to let mortgages.

128

David Fletcher21st October, 2018 @ 14:29

Indirectly !

129

david30th October, 2018 @ 09:51

Is there a way to limit your liability as a guarantor to just rental payments? I'm assuming that would rely on what the tenancy agreement says but thought I would check.

David (both a greedy good for nothing landlord plus someone willing to help out another human being?)

130

David Fletcher31st October, 2018 @ 05:38

Is there such a guarantor agreement which is time based? where I’m only required to act as guarantor for the initial let term agreed i.e. 6months or 12months? After which point (in accordance with the agreed notice period) I can terminate the agreement any rolling month thereafter?

131

Karen Davies2nd November, 2018 @ 19:22

My dad went guarantor for my nephews girlfriend (now ex and who has now been evicted) My dad only went guarantor for her as she said she was pregnant and lied about it until 3 weeks after due date. She was getting housing benefit for one bedroom but didn't get full housing benefit because she never had a baby. My dad has now been landed with bill for £1336 for rent arrears plus got a bill to come for all the damage. Plus 2 months full rent went to the wrong landlady and she has never gone to housing to sort it. My dad is 79 in January and cannot afford this. Does anyone know whether in these circumstances because he signed to be guarantor that he still has to pay it all despite being duped into it.

132

Chris3rd November, 2018 @ 08:24

I'm afraid he signed up so he will have to pay. It is up to him to claim from the nephew's ex.

133

duncan6th December, 2018 @ 15:17

I was under the impression that if the rent wasn't paid then the letting agent on behalf of the landlord would contact me and then I could pay the overdue rent - this never happened and the first I knew of it was debt collectors contacting me and requesting the outstanding rent plus their charges - surely this is totally the wrong way ... also the letting agent never sent me any paperwork re- tenancy agreement or guarantor agreement - so I'm a bit in the dark as to my obligations anyway - all I do know is that the landlord/letting agent gave rather exaggerated and unsubstantiated reasons/excuses to force my son to leave the property. any suggestions where to begin?

134

p6215th December, 2018 @ 15:38

I have been asked to be a rent guarantor for a friend. The tenancy is for 12 months, can I stipulate 2 things?
1 that the guarantor is only for the 12 months, and not to be extended, and have that written into any agreement, so no rolling over as outlined above.
2 if my friend falls into arrears, can I insist that I am informed immediately if a payment is missed.

I suspect the answer is "you can ask...."

Thank you. I want to help my friend, but also want to know what the position is.

A little introduction...

I initially started this blog because I wanted to document my every step to becoming a BTL landlord,
in hope that others' (with more experience) would discover my dronings and have the heart to help me - a beetle on its back - along the way. I literally didn't have a clue about being a landlord
when I started this website.

Having expanded my property portfolio over the years, I now occassionally blog about my bitter life as a Landlord, so fellow Landlords (prospective, new, and seasoned) can learn from my few successes and frequent failures.

Important

It's important you understand that this is a personal blog, and the aim is to provide the best
guides, tips, tools and techniques to being a Landlord. Everything I share is based on my own personal experiences as a landlord,
so the information is NOT guaranteed to be perfect, and should NOT be used as legal or financial guidance, so do note you use the information at
your own risk and I cannot accept liability if things go wrong. You should always seek advice from a qualified professional for any legal or financial matters.
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